Every bank in Nepal, ranked by ordinary savings interest rate — highest first. Bank-verified rates are marked ✓ Verified and always take priority over scraped data.नेपालका हरेक बैंक, साधारण बचत ब्याज दरअनुसार क्रमबद्ध — उच्चतम पहिले। बैंक-प्रमाणित दर ✓ प्रमाणित चिन्ह लगाइएका र सधैं स्क्र्याप गरिएको डेटाभन्दा प्राथमिकतामा हुन्छन्।
✓ Sourced from NRB & bank data · Shrawan 3, 2083
A savings account is the most flexible place to keep money in Nepal — you can deposit and withdraw freely while still earning interest. Rates are modest compared with a fixed deposit, but the trade-off is full liquidity, which is why a savings account is where most people keep their day-to-day balance.बचत खाता नेपालमा पैसा राख्ने सबैभन्दा लचिलो ठाउँ हो — ब्याज कमाउँदै स्वतन्त्र रूपमा जम्मा र झिक्न सकिन्छ। मुद्दती निक्षेपको तुलनामा दर कम भए पनि, सट्टामा पूर्ण तरलता पाइन्छ, त्यसैले अधिकांश मानिसले दैनिक मौज्दात बचत खातामै राख्छन्।
Interest rates on savings move with overall banking liquidity and Nepal Rastra Bank policy, and they differ noticeably from bank to bank. The table below ranks every bank currently publishing a savings rate, highest first, so you can see at a glance where the same balance would earn more.बचतको ब्याज दर समग्र बैंकिङ तरलता र नेपाल राष्ट्र बैंकको नीतिसँगै परिवर्तन हुन्छ, र बैंकपिच्छे उल्लेख्य फरक हुन्छ। तलको तालिकाले हाल बचत दर प्रकाशित गर्ने हरेक बैंकलाई उच्चतम पहिले क्रमबद्ध गर्छ, ताकि उही मौज्दातले कहाँ बढी कमाउँछ एकै नजरमा देख्न सकियोस्।
Rates are indicative and sourced from public bank/NRB data unless marked ✓ Verified. Confirm the current rate and terms directly with the bank before proceeding.
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The bank at the top of the comparison table above currently offers the highest published ordinary savings rate. Because banks revise rates frequently, the ranking is refreshed from live data, so check the table for today's leader.माथिको तुलना तालिकाको शीर्षमा रहेको बैंकले हाल सबैभन्दा उच्च प्रकाशित साधारण बचत दर दिन्छ। बैंकले दर बारम्बार परिमार्जन गर्ने भएकाले क्रम प्रत्यक्ष डेटाबाट अद्यावधिक हुन्छ।
Most Nepali banks calculate savings interest on the daily balance and credit it to the account periodically (often quarterly). The exact method and minimum-balance conditions vary by bank, so confirm with the bank before opening an account.अधिकांश नेपाली बैंकले दैनिक मौज्दातमा बचत ब्याज गणना गरी आवधिक रूपमा (प्रायः त्रैमासिक) खातामा जम्मा गर्छन्। सटीक विधि र न्यूनतम मौज्दात सर्त बैंकअनुसार फरक हुन्छ, त्यसैले खाता खोल्नुअघि पुष्टि गर्नुहोस्।
A savings account gives you full access to your money but a lower rate; a fixed deposit locks the money for a set term in exchange for a higher rate. If you need liquidity, savings wins; if you can lock funds away, a fixed deposit usually pays more.बचत खाताले पैसामा पूर्ण पहुँच दिन्छ तर दर कम; मुद्दती निक्षेपले उच्च दरको बदलामा तोकिएको अवधिका लागि पैसा बन्द गर्छ। तरलता चाहिन्छ भने बचत उत्तम; पैसा बन्द गर्न सक्नुहुन्छ भने मुद्दती निक्षेपले प्रायः बढी दिन्छ।
A Verified badge means the rate was entered or confirmed directly by the bank through Byajdar's partner portal, rather than collected from public sources. Verified rates always override scraped data for that bank and product.प्रमाणित चिन्हको अर्थ हो — बैंकले सार्वजनिक स्रोतबाट होइन, Byajdar को पार्टनर पोर्टलमार्फत सिधै दर पुष्टि गरेको हो। त्यस बैंक र उत्पादनका लागि प्रमाणित दरले स्क्र्याप गरिएको डेटालाई सधैं प्रतिस्थापन गर्छ।
